Researches On Credit Risk Management Of Small And Micro Businesses Credit Loan Of Minsheng Bank

In the rapid development of commercial banks, small and micro businesses are also in constant development at the same time, and now a large number of small and micro businesses is a solid foundation for sustained and stable economic growth. But due to the small and micro businesses loans with time is short, high frequency, small amount, timeliness strong characteristics, and small and micro businesses own existence of anti-risk ability is weak, the management is not standardized, lack of effective collateral such as problems that lead banks to assume the small and micro loans credit risk increased. Minsheng Bank focused on small and micro strategy, how to effectively manage the credit risk of small and micro loans, reduce the loss of credit risk may bring at the same time, it is the main purpose of this article studies.Based on the huge collection of related literature, research reports, news information, etc., a clear research objectives, proposed in this paper, the theoretical basis and analysis problem of Minsheng Bank small and micro loan credit risk management present situation, found that the risk management system is not perfect, the risk identification and the backward management, risk early warning and information feedback mechanism is imperfect. Aiming at the problems, this paper mainly adopts the risk identification and risk warning two technical means to carry out risk management and control, through the combination of qualitative index and quantitative index, scientific and comprehensive construction of the Minsheng Bank small and micro loan credit risk evaluation index system, and use the Probit model and Logit model to analyze the empirical identification of risk factors, trying to found the key risk factors of small and micro credit risk changes, the results of the study showed that the cash ratio, the growth rate of main business income, whether full guarantees of Minsheng Bank loans to small and micro credit risk identification of the higher contribution, and in the model included a number of qualitative indicators is more than the number of quantitative indicators.Then, in the small and micro loans credit risk assessment index system on the basis to construct the Minsheng Bank loans to small and micro credit risk early warning system, early warning target and object clearly, using BP neural networks model and fuzzy mathematics to build early warning model, and the establishment of the corresponding early warning signal system, real-time monitoring, timely detection of potential risks and warn. This is the most important part of the Minsheng Bank loans to small and micro credit risk management. Finally, on the basis of the aforementioned study, combined with Minsheng Bank status and small micro businesses credit risk characteristics, from the strengthening of the two aspects of risk management techniques and optimization of risk management system, put forward the policy recommendations to improve the credit risk management of the Minsheng Bank loans to small and micro businesses, Minsheng Bank for loans to small and micro businesses credit risk management provides a reference, for domestic commercial banks loans to small and micro businesses credit risk management experience.